# NPV Editor ## Overview The **NPV Editor** is where the salesman builds and customizes a payment plan with the client, before the unit enters the Unit Sales Pipeline. It is accessed from inside the **Unit Details** screen by clicking the **NPV** button on a payment plan. --- ## Auto-Rebalancing Logic Whenever an installment amount is changed, the system automatically redistributes the difference across the remaining installments to keep the total equal to the unit price: - **If the edited amount is less than the standard installment** — the difference is distributed equally across all other unlocked installments. - **If the edited amount is more than the standard installment** — the extra amount is deducted equally from all other unlocked installments. Any installment that has a **radio button selected** is **locked** — it will not be touched by the rebalancing engine regardless of changes made to other installments. --- ## Accessing the NPV Editor 1. Go to **Units** and open the unit the client is interested in. 2. In the Unit Details screen, find the payment plan section. 3. Select the payment plan template and click **NPV**. 4. The NPV Editor opens. [![image.png](https://knowledge-base.profitcrm.net/uploads/images/gallery/2026-07/scaled-1680-/ncKimage.png)](https://knowledge-base.profitcrm.net/uploads/images/gallery/2026-07/ncKimage.png) --- ## The Editor Screen The NPV Editor shows two tables side by side:

Side	Description
Original Payments (left)	The original payment plan template — read-only reference.
Editable Payments (right)	The working copy the salesman adjusts with the client.

Above the editable table: - **Unit Info bar** — shows Project, Building, Building Segment, Unit Name, Delivery Date, Space, View, Status, Finishing, Floor, Maintenance Price, Total Price, Deal Price, Reserved For. - **Discount Rate (r) from project** — the current NPV rate for this project (shown as % / year). - **Reference Start Date** — the starting date for calculating payment timelines. This is set in the **Payment Start Date** field on the unit details screen before clicking the NPV button. - **Discount %** — the salesman can enter a discount percentage here; the system recalculates the Deal Price and shows it below (e.g., "Deal Price after discount: 1,400,000.00"). [![image.png](https://knowledge-base.profitcrm.net/uploads/images/gallery/2026-07/scaled-1680-/frSimage.png)](https://knowledge-base.profitcrm.net/uploads/images/gallery/2026-07/frSimage.png) --- ## What the Salesman Can Do

Action	Notes
Change an installment amount	System automatically rebalances remaining payments to keep the total equal to the unit price.
Change an installment date	Year and month only — allowed within the configured grace period.
Delete an installment	System rebalances remaining payments.
Add a custom payment row	Click Add Payment Row — system rebalances.
Enter a discount %	Recalculates the Deal Price.

> ⚠️ The unit price and delivery date are locked — they cannot be changed from the NPV editor. --- ## Validation Rules After editing, the salesman clicks **Validate Payments**. The system runs 5 checks:

Check	Rule
Total Check	Sum of all payments = unit price. The system rebalances automatically if not equal.
Pre-Delivery Check	Payments before the delivery date ≥ Delivery Percentage Limit % of the unit price.
Minimum Down Payment Check	The down payment must be at or above the Minimum Down Payment Percentage % configured on the payment plan.
Minimum Installment Check	Every installment ≥ Minimum Installment (NPV) % of the unit price.
XNPV Check	The present value of all payments ≥ unit price × (1 - Maximum Discount Limit %).

### If Validation Fails

User Permission	Result
No override permission	If the plan fails the XNPV check, it is rejected and cannot be saved — a message shows the loss amount in EGP. The salesman must adjust the plan until it passes.
Has override permission	A warning is shown with the failure type and exact loss amount. User can click Save Anyway to save the plan. The override only applies to the XNPV check (the plan's present value being below the minimum acceptable worth) — all other validation checks still run normally and cannot be bypassed.

[![image.png](https://knowledge-base.profitcrm.net/uploads/images/gallery/2026-07/scaled-1680-/y1wimage.png)](https://knowledge-base.profitcrm.net/uploads/images/gallery/2026-07/y1wimage.png) > 💡 The loss amount is always shown explicitly so the authorized user understands the full financial impact before deciding to override. --- ## Saving the Plan Once validation passes (or an authorized user overrides), click **Save Payment Plan**. The saved plan flows into the **Unit Sales Pipeline** — it becomes the payment plan used from the **Hold** step onwards when the unit is reserved for this client.

User Permission	Result
No override permission	If the plan fails the XNPV check, it is rejected and cannot be saved — a message shows the loss amount in EGP. The salesman must adjust the plan until it passes.
Has override permission	A warning is shown with the failure type and exact loss amount. User can click Save Anyway to save the plan. The override only applies to the XNPV check (the plan's present value being below the minimum acceptable worth) — all other validation checks still run normally and cannot be bypassed.